Ontario Community Newspapers

Oakville Beaver, 4 Oct 2012, p. 21

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Canadians have much to be thankful for 21 · Thursday, October 4, 2012 OAKVILLE BEAVER · www.insideHALTON.com hanksgiving is a time to celebrate all for which we are grateful and have much to be thankful for. We have the freedom to manage our investthis can be expanded to include the monetary aspects of our life. ments and our lives how we want. In the majority of cases, this column focuses on areas of our There are rules and regulations that have been put in place to allow a free financial life that could be improved. There are always aspects which could nation to protect the interests of its citizens and a social safety net supporting be better. Investors should assume more responsibility for their own success those who are less fortunate. Our healthcare and education are among the when it comes to achieving their best in the world. The investment business is highly regulated. We have objectives. Financial advisors high accounting standards so investment earnings are fairly reported. Dollars & should always try to improve Compare the Canadian freedoms against many other countries in the their service and include finanworld that are currently occupying the news headlines and we truly do have Sense cial planning to help clients much for which to be grateful. We are very fortunate. manage their overall needs. Enjoy this Thanksgiving weekend and know that you will always try to By Peter Watson Investments are only a means to better your life in the future. an end -- to enable clients to -- Submitted by Peter Watson, MBA, CFP, R.F.P., CIM, FCSI. achieve what is most important to them. The top three financial concerns are paying off debt, children's education and preparing for retirement. .com www. Decisions made earlier in life will affect the amount in assets HEATING & COOLING people will have when they retire. The number of investments at retirement will influence spending rates, which translates the ability to maintain a desired standard of living. Furnace High Efficiency FURNACE & CENTRAL AIR diagnostic service People do not invest because they like the investment proOnly $ ONLY PACKAGE INCLUDES: 49 cess. It is never about just investing. It is about life. So in that · 96% High Efficiency DC search for a better life we will continue to explore how improveGas Furnace motor, Gas Furnace 96% EFF. · 15.75 SEER High Efficiency ments could be made to increase your financial success. $ /MTH Central Air R410A OAC Are investment fees too high? Fees paid reduce the amount Refrigerant INSTALLED left in your portfolio and investment returns. They should be fair · 10 Years Factory Warranty OVER 120,000 SATISFIED CUSTOMERS and reasonable relative to the service level you require and are *After OPA rebate, Aire One and Manufacturer Rebates. Must have existing SEER 15.75 receiving. Understanding fees would be far easier if there was Furnace and A/C. LIMITED T IM E better disclosure. Something as simple as an invoice saying what *Call now for details. Offer cannot be OFF NO INTEREST While Su ER pplies La combined. OAC. Accessories excluded. NO PAYMENT FOR st services you purchased and the cost paid for those services is 6 MONTHS OAC Call us to see if you qualify. important. In virtually all other areas of our lives where we pur* See dealer for details THE FORECAST CALLS FOR chase goods and services we are fully aware of the costs. Why 9 Locations To Serve You Better! should financial services be any different? Yes, there are areas that still need improvement. However, we T Get off the streets & into Friday night youth drop-in programs www.ymcaofoakville.com BIGGEST EVER SALE $ 4990 69 * * Pl Plus, we price match. FreshCo.com HEATING & COOLING www.aireone.com 1-888-827-2665 905-849-4998 Fall Flooring Sale THIS WEEK'S SUPER DEAL! NOW ON SALE Five days! Six parks! Berber · Twist · Plush · Shag Textured Berber $2.99/sq.ft. DESIGNER AREA RUGS 1/2 PRICE - Any Carpet Style (1,500 sq.ft. limit) INSTALLED WITH MEMORY FOAM October 6, 7, 8, 13 & 14 Calvin Klein · Wholesale/Retail of Persian Rugs UP TO 1/2 ALL IN-STOCK AREA RUGS... OPEN SUNDAYS FOLLOWING LOCATIONS ONLY: 125 Cross Ave. TRAFALGAR VILLAGE OAKVILLE · 905-849-4472 PRICE OR LESS! SUPERSTORE 228 KING ST. E. Hamilton · 905-546-1921

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